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Joined 1 year ago
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Cake day: August 2nd, 2023

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  • First, you should realize that credit scores aren’t based on how much debt you have, It’s based on how reliable people are in paying their debts in similar situations.

    Someone with 2x their annual salary in debt does sound a little risky to me, but it also means they have a lot of data in terms of credit management history. A lot of people can get into this situation with student loans, mortgages, or other “good” debt.

    Someone who has never used credit cards just doesn’t have a lot of payment history.

    If you feel you need a higher credit score, then opening and using a credit card can be a good way to raise that score. Opening and using debt, like a car payment, mortgage, or other monthly payments will show that you understand how credit works.

    Just make sure you fully pay off your credit card every month, because that debt can get expensive.

    If you never plan on using any sort of loans, then it doesn’t matter what your credit score is, and you shouldn’t care what a banking system rates you as.











  • Too bad you weren’t on the jury, because you could have been educated on the situation and have a valid opinion on the subject.

    Or you could actually look up real information and find out what exactly McDonald’s was being punished for, and how they exacerbated the situation over and over.

    Safety standards are not created with the expectation that everyone else acts perfectly safely, safety standards are designed that people can have accidents and not be maimed due to cost cutting from a giant, multinational corporation. McDonald’s deserves that judgement, the media demonized the victim, and you are perpetuating that myth.